Review: Stephen F. Austin State University (SFA) Credit Card

The Stephen F. Austin State University (SFA) Credit Card is pretty good bonus rewards credit card for Stephen F. Austin State University alumni, faculty, supporters and students with above-average credit. Although this card is affiliated with a school, it is not a “student” credit card, and applicants need at least a “good” credit score to get approved. For the best odds, consider that to mean a score of 700 or higher.

The best things about the Stephen F. Austin Credit Card are its $0 annual fee and its rewards-earning rate: 1 - 3 points / $1. The amount you earn depends on what you buy. Paying for ridesharing services with the Stephen F. Austin Card will get you 3 points per $1 spent, as will purchases made from coffee shops and fast food restaurants. Plus, every $1 you spend at gas stations and restaurants earns you 2 points per $1. All other purchases provide 1 point per $1. And those points are redeemable for cash back at a rate of 1 cent per 1 point.

The worst things about the Stephen F. Austin State University Credit Card are its unattractive APRs and lack of an initial rewards bonus. As a result of those drawbacks, you’d better plan to pay your bill in full every month, and you may want to consider using another card or two in addition to this one, if you decide to apply.

To help you decide whether or not to apply for the Stephen F. Austin State University Card, we’ll highlight some of its most important features below.

Regular APR of 15.24% - 25.24% (V). The average APR on credit card offers right now is around $19%.

2% foreign transaction fee. The average credit card offer has a foreign fee of about 1.5%, which applies to purchases processed outside the U.S. There is a growing number of credit cards with no foreign transaction fees, however.

Very little about the Stephen F. Austin Credit Card is specific to the actual Stephen F. Austin State University, unfortunately. There is vague language online about how the card may help support the school but no specifics. Plus, the card’s rewards seem geared toward young adults, yet applicants need an established-adult credit score to get approved for an account.

For everyone else, the best approach is to compare credit card offers in order to find the card that will save you the most money, regardless of what the card itself looks like. Besides, there are plenty of credit cards whose appearance cardholders can customize.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.